2013 MINI Cooper TOTALED :(
I've already spoken about my distaste for Chiro treatment but I think you sell a lot of Physical Therapists short. A good PT eval is very similar to an Orthopedic evaluation, including radiological exams to determine if there are any issues other than the typical soft tissue injuries.
I won't say an Ortho visit is a bad idea. Just saying that going straight to a physical therapist, in most cases, is not only okay but just as effective as going to an Ortho then to PT.
And I can't speak to your specific case without having copies of your medical bills and reports at my disposal. But I'm betting your gap in treatment was more than a few weeks.
Lastly, any good claim adjuster, and I bet yours did, fully explains the full and final release before you voluntarily signed it.
I won't say an Ortho visit is a bad idea. Just saying that going straight to a physical therapist, in most cases, is not only okay but just as effective as going to an Ortho then to PT.
And I can't speak to your specific case without having copies of your medical bills and reports at my disposal. But I'm betting your gap in treatment was more than a few weeks.
Lastly, any good claim adjuster, and I bet yours did, fully explains the full and final release before you voluntarily signed it.
Soft tissue injuries can be felt and sometimes seen in the misalignment of the spinal column and disk spacing. This is why chiro's and PT's treat those very effectively. Rarely do they deal with connective tissue injuries which require MRI to be diagnosed.
The best course of action is to go see ortho who will do a comprehensive test and will more than likely refer you to a PT anyways. Going the other way around can end up disappointing to say the least.
OVERDRIVE
Joined: Aug 2006
Posts: 12,326
Likes: 6
From: PA
When your Chiro released you, did he not document that you were still in pain, he was discharging your due to reaching MMI (maximum medical improvement) and that should your pain not resolve within X number of weeks you should come back ?
And a PT provider is quite capable of referring a patient for an MRI and then reviewing the Radiologist's review of the MRI and reacting accordingly.
And a PT provider is quite capable of referring a patient for an MRI and then reviewing the Radiologist's review of the MRI and reacting accordingly.
When your Chiro released you, did he not document that you were still in pain, he was discharging your due to reaching MMI (maximum medical improvement) and that should your pain not resolve within X number of weeks you should come back ?
And a PT provider is quite capable of referring a patient for an MRI and then reviewing the Radiologist's review of the MRI and reacting accordingly.
And a PT provider is quite capable of referring a patient for an MRI and then reviewing the Radiologist's review of the MRI and reacting accordingly.
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1st Gear
Joined: Jan 2013
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Dont know if anyone has mentioned this, but be sure and call your dealership and see if you can get a prorated refund for the unused extended maintenance warranty. (At least here in Georgia) With that low of mileage, you should get almost all of the cost back on it.
Glad to hear you are ok!
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OVERDRIVE
Joined: Aug 2006
Posts: 12,326
Likes: 6
From: PA
And just guessing, but I bet I've had more experience in reviewing medical bills and reports involving accident injuries and I see plenty of PT providers who order MRIs and review their reports.
A handful of PT providers who didn't meet your expectations doesn't mean they're all incapable.
6th Gear
Joined: Apr 2013
Posts: 1,894
Likes: 8
From: Philly PA
Wow, I wish I had known about the diminished value factor..
We traded in a car that had been hit about a year after it had been repaired (car was t-boned in an intersection by an older driver.. our Rabbit had less than 20K on it.. $9,000 worth of damage... boy was I pissed..).. The repair was clean and well done..
Lost about 2K on the trade because the car couldn't be CPOd to the dealer...
(to the OP, good luck with everything... wrecking a new car is my personal nightmare..)
We traded in a car that had been hit about a year after it had been repaired (car was t-boned in an intersection by an older driver.. our Rabbit had less than 20K on it.. $9,000 worth of damage... boy was I pissed..).. The repair was clean and well done..
Lost about 2K on the trade because the car couldn't be CPOd to the dealer...
(to the OP, good luck with everything... wrecking a new car is my personal nightmare..)
3rd Gear
Joined: Apr 2013
Posts: 287
Likes: 0
From: San Antonio
I have quite a bit of experience dealing with accidents involving personal injury. Please, do NOT go straight to the chiropractor or PT. Make sure you go and see orthopedic surgeon first. Typically, chiropractor's holistic approach doesn't factor in invisible on an x-ray connective tissue damage you may be experiencing.
I've experienced that personally after a 60MPH rear end accident. I finished a 3 month treatment at the chiro only to find myself in tremendous amounts of pain continuously. When consulting ortho M.D., we've found out that I've had a herniated disc, spondylosis, and bulging discs all results of the accident. In the long run, insurance didn't want to pay out what I believe should be a fair compensation for my injuries due to the gap in the treatment.
Learn on other people's mistakes willing to share them. If something still hurts post treatment, don't give up; go to another doctor for second option, PT, or chiropractor until it's all gone. Remember, the moment you settle is the moment you're **** out of luck should any discomfort return.
I've experienced that personally after a 60MPH rear end accident. I finished a 3 month treatment at the chiro only to find myself in tremendous amounts of pain continuously. When consulting ortho M.D., we've found out that I've had a herniated disc, spondylosis, and bulging discs all results of the accident. In the long run, insurance didn't want to pay out what I believe should be a fair compensation for my injuries due to the gap in the treatment.
Learn on other people's mistakes willing to share them. If something still hurts post treatment, don't give up; go to another doctor for second option, PT, or chiropractor until it's all gone. Remember, the moment you settle is the moment you're **** out of luck should any discomfort return.
I've already spoken about my distaste for Chiro treatment but I think you sell a lot of Physical Therapists short. A good PT eval is very similar to an Orthopedic evaluation, including radiological exams to determine if there are any issues other than the typical soft tissue injuries.
I won't say an Ortho visit is a bad idea. Just saying that going straight to a physical therapist, in most cases, is not only okay but just as effective as going to an Ortho then to PT.
And I can't speak to your specific case without having copies of your medical bills and reports at my disposal. But I'm betting your gap in treatment was more than a few weeks.
Lastly, any good claim adjuster, and I bet yours did, fully explains the full and final release before you voluntarily signed it.
I won't say an Ortho visit is a bad idea. Just saying that going straight to a physical therapist, in most cases, is not only okay but just as effective as going to an Ortho then to PT.
And I can't speak to your specific case without having copies of your medical bills and reports at my disposal. But I'm betting your gap in treatment was more than a few weeks.
Lastly, any good claim adjuster, and I bet yours did, fully explains the full and final release before you voluntarily signed it.
And I agree, chiro's can do more harm than good.
3rd Gear
Joined: Apr 2013
Posts: 287
Likes: 0
From: San Antonio
To the OP, I hope you recover well and you don't end up with any long term injuries/ pains from this.
Luckily, I have been in more not my fault accidents than I care to remember including 1 at speeds of 70mph (ripped the other car in half) and have always walked away unhurt. Great that your Mini's safety features did their job. My wife worries that it is too small to hold up in an accident.
Hindsight is always 20/20. Personally, I always carry gap insurance. At least then, you can start fresh if something bad happens. No, it won't replace what you've paid into a car, but at least you won't be paying out of pocket. Most car insurances offer it, and on mine, its 14 bucks every 6 months and covers 25% of the cash value of the car (on top of the totalled amount) which should cover any gap.
Good luck
Luckily, I have been in more not my fault accidents than I care to remember including 1 at speeds of 70mph (ripped the other car in half) and have always walked away unhurt. Great that your Mini's safety features did their job. My wife worries that it is too small to hold up in an accident.
Hindsight is always 20/20. Personally, I always carry gap insurance. At least then, you can start fresh if something bad happens. No, it won't replace what you've paid into a car, but at least you won't be paying out of pocket. Most car insurances offer it, and on mine, its 14 bucks every 6 months and covers 25% of the cash value of the car (on top of the totalled amount) which should cover any gap.
Good luck
OVERDRIVE
Joined: Aug 2006
Posts: 12,326
Likes: 6
From: PA
glad you've had luck with USAA. My landlord (retired air force, works for USAA, has had trouble with 2 different claims on the house we rent. Have tried to lowball him both times, and he works for them. I've heard similar problems from others. Maybe its just the home insurance side. I have Progressive and they've been good to me in dealing with uninsured motorist claims (bad problem in San Antonio).
Agree that you should see an ortho doc before starting any treatment. Disagree with the wreck causing all those problems. Most of those are degenerative conditions that probably were exacerbated by the accident.
Most PT's shouldn't be ordering any exams. They are not doctors and most only have 4 year degrees vs 10+ years of school for surgeons. If they are ordering exams, it is probably under a physician's name. I agree, they can do a lot for you, but starting with an orthopedic is a must.
And I agree, chiro's can do more harm than good.
Agree that you should see an ortho doc before starting any treatment. Disagree with the wreck causing all those problems. Most of those are degenerative conditions that probably were exacerbated by the accident.
Most PT's shouldn't be ordering any exams. They are not doctors and most only have 4 year degrees vs 10+ years of school for surgeons. If they are ordering exams, it is probably under a physician's name. I agree, they can do a lot for you, but starting with an orthopedic is a must.
And I agree, chiro's can do more harm than good.
Most PT providers have licensed physicians on their staffs.
And you are the first person I've ever heard say anything negative about USAA. I'd say that speaks a lot about them and you. On the other hand, Progressive claim service leaves a lot to be desired. You're dealing with small sample sizes. I'm not.
3rd Gear
Joined: Apr 2013
Posts: 287
Likes: 0
From: San Antonio
Love all these internet experts that are surfacing in this thread.
Most PT providers have licensed physicians on their staffs.
And you are the first person I've ever heard say anything negative about USAA. I'd say that speaks a lot about them and you. On the other hand, Progressive claim service leaves a lot to be desired. You're dealing with small sample sizes. I'm not.
Most PT providers have licensed physicians on their staffs.
And you are the first person I've ever heard say anything negative about USAA. I'd say that speaks a lot about them and you. On the other hand, Progressive claim service leaves a lot to be desired. You're dealing with small sample sizes. I'm not.
For me, I'd start with my PCP who is a DO, who I'm sure would send me to the orthopedic.
As far as USAA goes, you are right, small sample size, but considering the source has worked for them since retiring from the AF and he doesn't recommend them, I think that says something.
To each their own. Personally I would never have State Farm because they are too quick to pay out instead of investigating claims. And then to compensate, they jack your premiums. Progressive has always handled my claims promptly and in my opinion, fairly. But I've also never been injured in any accident so I haven't had to deal with medical claims.
OVERDRIVE
Joined: Aug 2006
Posts: 12,326
Likes: 6
From: PA
Of course we are all experts. I work in healthcare and deal with PT's on a daily basis. I still trust orthopedic surgeons over them. There are sometimes when PT will actually make you worse. You should have a physician evaluation before you even go down that road.
For me, I'd start with my PCP who is a DO, who I'm sure would send me to the orthopedic.
As far as USAA goes, you are right, small sample size, but considering the source has worked for them since retiring from the AF and he doesn't recommend them, I think that says something.
To each their own. Personally I would never have State Farm because they are too quick to pay out instead of investigating claims. And then to compensate, they jack your premiums. Progressive has always handled my claims promptly and in my opinion, fairly. But I've also never been injured in any accident so I haven't had to deal with medical claims.
For me, I'd start with my PCP who is a DO, who I'm sure would send me to the orthopedic.
As far as USAA goes, you are right, small sample size, but considering the source has worked for them since retiring from the AF and he doesn't recommend them, I think that says something.
To each their own. Personally I would never have State Farm because they are too quick to pay out instead of investigating claims. And then to compensate, they jack your premiums. Progressive has always handled my claims promptly and in my opinion, fairly. But I've also never been injured in any accident so I haven't had to deal with medical claims.
USAA and State Farm consistently rank #1 and #2 in surveys from THOUSANDS and THOUSANDS of policyholders in terms of satisfaction with claim service and other areas. Progressive... nowhere near the top.
Again... small sample size you are dealing with. I'm not.
And you're free to believe what you want about Physical Therapy as a source of medical treatment for soft tissue injury cases. But the same doctors you prefer will also do the same things a PT provider will do, given the injuries they are treating are also soft tissue in nature.
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1st Gear
Joined: Jan 2013
Posts: 34
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I'm alright. No improvements on my neck, it's a constant nagging pain. Not an omg I'm dying but more a I'm fully aware that I have a neck pain.
I do not have a total figure yet, I know as if today I am not able to afford to buy the same Mini that was totaled with what Allstate is paying for it. I have to return the rental on Friday. What happens after that, I don't know. All I can say is that I'm very sad that I can't have what he took away from me. Doesn't seem fair. I'm devastated and that's just how it is.
Michelle
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OVERDRIVE
Joined: Aug 2006
Posts: 12,326
Likes: 6
From: PA
You seeking any medical care ?
Yeah, having a new vehicle totaled sucks, even if you do carry Gap insurance on it. And if you don't, it hurts even more.
Remember, if you don't like the total loss offer, you can dispute it in most states. And you could always let your insurance evaluate it. Downside to that, you're running out of rental coverage. And your insurance company is not going to put you in a rental either, they'll use the same offer date Allstate is using to determine reasoanble rental car days.
Sorry this happened to you !
Yeah, having a new vehicle totaled sucks, even if you do carry Gap insurance on it. And if you don't, it hurts even more.
Remember, if you don't like the total loss offer, you can dispute it in most states. And you could always let your insurance evaluate it. Downside to that, you're running out of rental coverage. And your insurance company is not going to put you in a rental either, they'll use the same offer date Allstate is using to determine reasoanble rental car days.
Sorry this happened to you !
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